To everyone who:

• Makes less than $25,000 per year (or $50,000 if married)
  
• Is not a full-time student
  
• Has an IRA or 401(k)
  

Its worth noting that the IRS offers substantial tax credits (10% to 50%, depending on your income) for contributions to your retirement accounts before 2005 ends. This is in addition to the deductions you get normally through some IRA plans.

If you have some cash to spare, you should consider throwing some of it towards retirement before the end of the year, as you could get a sizeable chunk of it back in a few months in the form of reduced taxes or increased refunds. There's not a single retirement fund out there that will guarantee 50% immediate growth/payout on your investment, so this is a really smart way to invest your money if can afford it.

Look at IRS Form 8880 to find out how much you stand to earn.

X-Posted to poor_skills